Frequently Asked Questions About Buy Here Pay Here Financing

Do I have to have good credit to get approved?

No. The Auto Cave is a buy here pay here car dealership in Dallas that provides in-house financing. We do not depend on banks to make our decision. We make getting approved very easy, even if you have bad credit or repos.

What documents do I need to get approved?

  • Photo ID- Passport, Driver’s License, or State Issued ID
  • Proof of Income- Only 2-3 of your most recent paycheck stubs or bank statements, or you may use our Income Verification link to avoid bank statements all together.

Proof of Residence- Mail dated within last 30 days with your name and address, preferably a utility bill or lease agreement.

What do I need to apply in minutes?

The Auto Cave has made it very easy. You can apply quickly from your phone, then you will receive a link where you can upload your documents. Someone from our approval department will quickly let you know if anything else is needed before finalizing your approval.

Do I have to live in the Dallas Fort Worth area to get approved?

For us to best serve you, you need to live within 120 miles of our dealership.

No soy de los Estados Unidos, aún puedo ser aprobado?

Sí. Si vives a menos de 120 millas de nuestra concesionaria y tienes un pasaporte, podemos ayudarte. Por favor, trae una factura a tu nombre y una carta de tu empleador.

Can I still get approved with repossessions on my credit?

Yes. Repossessions, old bankruptcies, divorce, student loans, are all things we can work with. Approvals are not guaranteed; however, the Auto Cave understands bad things happen to good people.

How much do I need to put down?

We provide reliable transportation with down payments starting at $800. Down payments can vary depending on the vehicle.

Does the Auto Cave provide a warranty?

Yes. When you finance a vehicle with the Auto Cave, every vehicle comes with a FREE 3-year/36,000-mile warranty! The Auto Cave is the ONLY buy here pay here dealership in Dallas Fort Worth proudly standing behind its’ vehicles for that long. Reliable transportation for our customers is our priority.

How much would my payments be?

This will depend on a few things:

  • Price of Vehicle
  • Down Payment
  • Financing Term and Interest Rate

Once you are approved for a vehicle and you choose one that best suits your needs, our sales specialist will gladly share these details with you. On average, payments range from $190-$260 bi-weekly.

Do I need a Texas Driver’s License to get approved?

No. Auto Cave does not require you to have a valid Texas driver’s license. Any state or federally issues photo ID that is not expired more than 12 months is acceptable.

Do I need insurance before I can drive off the lot?

The Auto Cave only requires you to carry comprehensive insurance covering the vehicle. You may purchase your own from a 3rd party or purchase our CPI coverage. You do not need a driver’s license to qualify, no driving record check, or long phone calls. You can get immediate coverage at the time of sale by requesting our CPI coverage for only $140/month.

Get Approved